26/f in GA, new rider this year. Got new 2-13 fz6r from dealer 3 weeks ago. I have full coverage, 1k deductible, theft and permissive use. I pay $86/mo. I have car, bike, renter's bundled together. To put this in perspective, my 2004 Buell Blast 500cc I had from feb/April was 35/mo for liability. Not a big difference to get full coverage if you ask me. My loan payment includes another theft coverage, gap and accident insurance too. My out the door price was $6564 including ad valorem and all. obvi insurance will vary for bike, gender, and history of rider, but I think I got a pretty good deal with it.
OP what did you end up doing last year?
I bought a Buell blast 500cc in feb and loved it, $1200. It served me well. Laid it down on a 2 lane when a car boxed me in. Was very glad I hadn't spent too much on it. The other person's insurance ended up paying me out $1350 for the totalled bike.
Anyways, I just got the FZ6R, and being 5'7 with not super long legs, I am missing flat footing the buell. I have had some sketchy instances just in my driveway trying to maneuver the FZ. once I get riding though, I am blown away by the bike. I feel so comfortable on it. I like the torque. I am waiting to get an aftermarket exhaust, but looking forward to the noise it will make once I can crank on it after break in is over.
I was disappointed when I had my wreck that I didn't have enough confidence in my Buell to be able to out manuever that car. I was level with the driver, trying to stay out of the blind spot, and she just didn't turn her head to look next to her. That bike didn't have a lot to give in terms of pick up in a pinch.